NYSE
AIZN
Last Price
US $18.14
KEY FIGURES
MKT CAP
$14.1B
EPS
TTM$21.48
EPS Growth (1Y)
20.26%
PEG
TTM0.04x
P/E
TTM0.84x
P/S
TTM0.07x
YIELD
19.40%
GROWTH (5Y CAGR)
Revenue
5.92%
EBITDA
Base Cash Flow Valuation (DCF)
Fair Value
Market $18.14
2480.65%
Default assumptions
Base EBITDA Valuation
Fair Value
Market $18.14
982.25%
Valuation
Financial
Performance
Cash flow to debt coverage
Assurant, Inc. 5.25% Subordinat cash flow to debt ratio of 83.10% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Free cash flow growth
Assurant, Inc. 5.25% Subordinat's free cash flow has increased 43.82% from $1.11B last year to $1.60B, signaling increasing performance
Debt-to-equity ratio
Assurant, Inc. 5.25% Subordinat's debt to equity ratio is 0.36, which means that the company's assets are healthy financed, signaling financial stability.
Debt-to-equity trend
Assurant, Inc. 5.25% Subordinat's debt has decreased relative to shareholder equity from 0.41 last year to 0.36 today, signaling strengthened financials
Net debt to EBITDA
Assurant, Inc. 5.25% Subordinat has a net cash position, so leverage is healthy.
Interest coverage
Assurant, Inc. 5.25% Subordinat's interest coverage ratio of 11.76 indicates that earnings with good margin can cover interest payments on company debt
Profit margin growth
Assurant, Inc. 5.25% Subordinat's profit margin has increased (23.48%) in the last year from 6.40% to 7.90%, signaling increasing performance
Current ratio
Assurant, Inc. 5.25% Subordinat's short-term liabilities of $23.89B exceed its short-term assets of $13.15B, signaling financial risk
Return on assets
Assurant, Inc. 5.25% Subordinat's return on assets of 2.95% is lower than the 5.00% threshold, indicating inefficient asset utilization
Return on equity
Assurant, Inc. 5.25% Subordinat's return on equity of 18.03%, is higher than 15.00%, indicating good performance
Earnings quality
Assurant, Inc. 5.25% Subordinat's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Earnings stability
Assurant, Inc. 5.25% Subordinat had positive net income in 5 out of 5 years, indicating stable and consistent earnings
Positive free cash flow
Assurant, Inc. 5.25% Subordinat has positive free cash flow, indicating the company generates cash after capital expenditures
Free cash flow yield
Assurant, Inc. 5.25% Subordinat has a free cash flow yield of 11.32%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Earnings growth
Assurant, Inc. 5.25% Subordinat's yearly earnings has increased 14.80% since last year from $760.20M to $872.70M, signaling increasing performance
Revenue growth
Assurant, Inc. 5.25% Subordinat's yearly revenue has increased 7.89% since last year from $11.88B to $12.81B, signaling increasing performance
Return on invested capital
ROIC 8.89% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
3-year revenue CAGR
Assurant, Inc. 5.25% Subordinat's 3-year revenue CAGR of 7.93% is positive, indicating growing revenue over the past 3 years
Revenue consistency
Assurant, Inc. 5.25% Subordinat had revenue growth in 5 out of 5 years, indicating consistent revenue performance
Return on equity consistency
Assurant, Inc. 5.25% Subordinat had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity
Base Cash Flow Valuation (DCF)
Assurant, Inc. 5.25% Subordinat is undervalued relative to its fair value price of 468.13 based on Base Cash Flow Valuation (DCF) model
Earnings yield (TTM)
Assurant, Inc. 5.25% Subordinat has an earnings yield of 118.39%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Base EBITDA Valuation
Assurant, Inc. 5.25% Subordinat is undervalued relative to its fair value price of 196.32 based on Base EBITDA Valuation model
EV/EBITDA (FY)
Assurant, Inc. 5.25% Subordinat has an EV/EBITDA ratio of 8.14x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
PEG ratio (TTM/FY)
Assurant, Inc. 5.25% Subordinat has a PEG-ratio under 1 which is considered undervalued
Price-to-book ratio (FY)
Assurant, Inc. 5.25% Subordinat has a price-to-book ratio of 0.15x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Price-to-sales ratio (TTM)
Assurant, Inc. 5.25% Subordinat has a price-to-sales ratio of 0.07x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
18.03%
Return on equity
ROIC: 8.89%
Valuation History
13.2X
Price to Earnings
EV/EBITDA: 8.6X
Cash flow
Profit margin
11.90%
Cash flow
5.54%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.